How to sell insurance to people who are not insurance conscious?

The first thing is to analyze his identity and introduce different types of insurance according to his needs. The second is to make the content of the insurance clear, and the difference between participating in the insurance and not participating in the insurance. It is necessary to know a certain amount of words, and then prescribe the right medicine according to the person's character.

It is very easy to sell insurance to people who are not insurance conscious, because you can persuade them to buy insurance, and you can give some examples to let them know the importance of buying insurance.

You can analyze him, if something happens to him, but he can't get a penny without insurance, and all the medical expenses have to be paid by himself, so that he can distinguish the pros and cons, and he will buy insurance.

To sell insurance to those who do not have insurance awareness, we must first improve their insurance awareness and instill insurance ideas in them before they can sell their own insurance.

You can explain your product to him, tell him the importance of insurance, and hope that he can consider it, saying that it is beneficial to him in the future, and give himself a guarantee.

I think if you want to sell insurance to someone who doesn't have a sense of insurance, you first have to give him such a consciousness, and you have to tell him to explain him before you can sell insurance to him.

First of all, I want to explain to him that buying insurance is not actually an investment without returns, but a guarantee, if your future is in danger, this insurance can bring huge wealth to your family.

For such a person, you need to give him a few more examples, for example, when he encounters an accident and does not have enough emergency money in hand, then insurance can play a great role.

In fact, most of the Chinese people's insurance awareness is still lacking, this type of customer will be friends with him first, occasionally talk to him about risks and accidents, and he will have feelings after a long time.

You can tell him some examples of how you used to sell insurance and the person who bought it was well protected, after all, people will subconsciously follow when they see something good.

1. The development of domestic insurance is only between 20 and 30 years. It started late, and many foreign insurance companies have been established for more than 100 years.

2. In the early years, the first people who were engaged in the insurance industry and the company had no experience, which led to a lot of misleading sales and the inability to make claims after purchase. It directly affects the reputation of the industry and is not accepted by the people.

3. Insurance publicity is poor at the national level, and it has only begun to be paid attention to in recent years, from CCTV public service advertisements to student textbooks.

4. The people are too conservative about investment and financial management, and most people still prefer to put their money in the bank rather than trust the insurance company.

5. Not only is the awareness of insurance poor, but from the perspective of health, even the annual physical examination cannot be done. If you are sick, you are quite a brother, and if you really can't go to the hospital, it is terminal.

Extended reading: [Insurance] How to buy, which one is better, Chun Kai Raid teaches you to avoid these insurance"pits"

Insurance in China is still in the development stage, people's awareness of risk aversion is not very strong, there is a kind of luck psychology, secondly, China's insurance market is not very mature, the level of insurance salesmen is not high, there is a phenomenon of non-trustworthiness, so many people do not believe in insurance is that some customers are misled by some salesmen, unnecessary disputes arise when settling claims, let customers do not believe in insurance, over time there is such a thought.

So some people are afraid to sell insurance, and they feel that they are scammering.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! Because people who sell insurance deal with insurance as a whole, they are very aware of the role of insurance, and they also know the various risks they face in their daily lives, so they will choose to buy insurance for themselves. Currently, there are two main benefits to buying insurance:

The first is economic compensation. In order to reasonably avoid personal risks such as personal injury, sickness, old age, disability, maternity, and death faced by individuals or legal persons, as well as the risk of loss and other legal risks caused by natural disasters or accidents faced by property and other legal risks, people can achieve the purpose of effectively transferring these risks by paying a small amount of insurance premium. In this way, we will promote social harmony and stability and realize the healthy operation of economic activities.

The second is the function of saving and investing. With the continuous enrichment of insurance products, insurance products have derived savings and investment functions other than risk management, which can meet people's needs to maintain and increase the value of funds while realizing risk management.

For the subject's question, the senior sister suggested that the key points should be emphasized, and it was suggested that priority should be given to the allocation of insurance for the members of the family's pillars; The main reason is that this group of people bears the burden of the family, and especially needs to prioritize the allocation of insurance.

Due to the fact that different groups of people have different protection needs and insurance budgets for insurance files, the following senior sister will talk to you about how to configure insurance-related content with a limited insurance budget.

Before starting, if you have a small partner who doesn't know much about insurance, you can click into this article to understand:[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

As the subject said, the situation is actually a true portrayal of most ordinary people, a small family is going up and down, and the budget that can be used to configure insurance is really limited.

At the same time, precisely because of the average income, the family's ability to resist risks is naturally not very strong; So if the family's financial pillar falls, the family may even face collapse.

Therefore, since the pre-insurance allowance is limited, it is recommended to "keep" the pillar of the family first, so that he has a guarantee, which is equivalent to the family also having a guarantee.

Generally speaking, if you want to configure insurance for the breadwinner of the family, it is recommended to consider configuring critical illness insurance + million medical insurance + life insurance + accident insurance; Among them, considering the budget issue, it is recommended that consumer-based critical illness insurance products can be considered for critical illness insurance, and term life insurance can also be considered for life insurance.

Seeing this, if you don't know much about term life insurance, you can click on this article to learn more:What is Term Life Insurance? Who is it suitable for? Everything you want to know is here!

Also, in order to make it easier for people with a limited budget to buy suitable insurance, the senior sister will come to give you advice.

For example, on the issue of the proportion of insurance expenditure, due to budget problems, it is recommended that when allocating insurance, it is necessary to control the expenditure on insurance to account for less than 20% of the annual household income.

If this ratio is exceeded, the total premium of the insurance may bring a certain amount of financial pressure to the family, which is a bit of putting the cart before the horse. Hope.

Reasons for reluctance to pay pension insurance:

1) 8% of the pre-tax deduction of personal tax goes into the personal account for compulsory savings (except for retirement, death, immigration and other special circumstances, it is not allowed to be withdrawn and used), and the rest of the 20% or so paid by enterprises (varies from place to place) are collected as a whole and do not enter the personal account;

2) According to a researcher at the Tsinghua Research Institute who recently asked for an extension to 65 years old to receive a pension, the current average life expectancy in China is 75 years old, and starting to receive it at the age of 60 is to receive it for everyone for 15 years. The prerequisite for receiving pension insurance is to pay for at least 15 years, and many people will pay for more than 30 years.

3) The calculation formula of how much pension can be received in the future, the length of life of the recipient, the inflation and currency depreciation during the period, etc., are all very uncertain;

4) Different from commercial insurance, the sum insured, premium and user terms of endowment insurance are adjusted by the relevant state departments at any time. In addition to the annual "statistics" of the average social wage increase, the extension to 65 years old pension, etc., the country has the space and possibility to further adjust the pension insurance policy in the future, so there are too many uncertainties.

5) The negative impact of the empty account of pension insurance and the Ponzi ** statement has been circulating among the people.

Therefore, many people are reluctant to pay pension insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

1. Insurance is an intangible product, you can't see a physical object like buying a TV, what you can actually see is a paper contract, or a service. Chinese people are generally not interested in such similar intangible products, and Chinese have not yet learned to buy services, preferring to buy products that can actually be seen, such as mobile phones.

2. Insurance is a product that is difficult for people to understand, it is not like a computer that can immediately see its benefits and fun, it is sometimes difficult for people to understand its benefits, its role, its value. It must rely on the detailed introduction of the insurance salesman to make ordinary people understand and accept.

3. Insurance is an experiential product of Hongfeng. Insurance can only experience its benefits when you use it, such as if you buy accident insurance, only when you have an accident can you experience the benefits of buying insurance, when you are safe and sound, you can not feel its benefits, but you may think that insurance is useless, so that you spend more money.

4. Insurance is a kind of product that can only be sold by people "face-to-face" sales, it is useless for you to only advertise, no one will take the initiative to find an insurance company to buy insurance, the reason why people will buy insurance is generally because their friends are doing insurance, and they only buy insurance when they hear the introduction of friends, of course, there is also a possibility that they see their friends because they have bought insurance and get huge benefits and take the initiative to find friends to buy insurance, but this situation is too rare.

5. Insurance is a kind of "relational" sales product, basically the reason why others buy your insurance is because he has a need and your relationship is already good, customers will buy, so there are a lot of interpersonal relationships to become the basic condition for success in insurance, the reason why there are many college students who have just graduated for a few years have actually had the ability but still can't sell insurance is because they have too few interpersonal relationships, so they can't insist. Selling insurance is actually "selling people" first, and then "selling insurance".

6. Insurance is a product that most contemporary Chinese do not "care" about, although modern Chinese say that insurance awareness is constantly improving, but there are still too many Chinese who do not like it, do not want to understand it, do not want to buy it, or say know it too well and do not want to buy it, unless it encounters any trouble or buys it in the face of friends.

7. Insurance is a relatively stable, unprofitable financial product with a long investment time. Impetuous Chinese prefer to buy which investment results quickly **, **, real estate products, rather than invest a lot of money to buy insurance, sometimes only buy a little, do not want to spend too much money in this regard, although in fact buying insurance is also a good investment, is a good risk transfer, and will also bring good returns.

Based on the above points, it is difficult to sell insurance!

Have a free consultation!

1. Domestic insurance started late, and the history of foreign insurance companies has passed for hundreds of years, and it has only been 30 years in China.

2. The propaganda is not enough, and a lot of insurance knowledge in foreign countries has been added from primary school textbooks, and the state will also vigorously promote commercial insurance. In foreign countries, many banks have zero interest rate or negative interest accrual, which means that the money deposited in the bank not only does not pay interest, but also charges a custodian fee. So people need to take out their money and invest it in other ways.

3. Lack of experience and professionalism: some practitioners in the early stage had poor professional skills and were not very clear about the explanation of the product plan, which led to misleading sales and false promises between customers and insurance companies, and failure to tell the truth on the part of customers, resulting in failure to make claims when customers were out of insurance, and then being advertised as deceptive things.

4. The problem of money: insurance buys protection, but this protection cannot be seen or touched when the insured does not have any risk, it is just a piece of paper, so according to the conservative character of China, it is not enough to trust.